Sign on to another service:

The PNC Advantage for Agriculture

Your cash flow cycle can be inconsistent and unpredictable. To help you succeed we provide an array of solutions to optimize your business cash flow. Whether you need financing for crops, livestock, or major equipment purchases, PNC has solutions to make your business more predictable.[1]

We're Here to Help

Agriculture is an industry with unique banking needs due to cash flow seasonality and marketplace cycles.

A custom banking approach is necessary to keep your cash flow consistent and predictable. Whether you're a lifestyle farmer, own a small farm, operate a large commercial farm, or run an agri-business, PNC has the products, services and experience to help you achieve your goals.

Understanding Agriculture Production

PNC is one of the Top 20 agriculture banks in the nation[2] and has supported the industry for many years. You require bankers that understand how a farm or agri-business operates, in addition to the market trends that may impact your business and financial stability. At PNC, we have a dedicated staff of agricultural bankers devoted to keeping your farm or agri-business running smoothly and profitably. Our sales team is committed to building solid, long-term relationships with agriculture producers and agri-businesses.

PNC is also dedicated to the communities where agriculture producers work and live through our close working relationships with agricultural associations and local extension offices, in addition to supporting county fairs and industry specific conventions.

Improve and Regulate Your Cash Flow

Your cash flow cycle can be inconsistent and unpredictable. We understand the unique challenges your business faces and the special role that cash flow plays in your success. To help you succeed we provide an array of solutions to optimize your business cash flow.Whether you need financing for crops, livestock, or major equipment purchases, PNC has solutions that make your business more predictable, including flexible repayment schedules[1]. Additionally, we can help accelerate the collection of receivables, monitor and project cash, and improve the ways you make payments. We also offer a full suite of online tools and reporting for easy account analysis. Explore all of these solutions in more detail below.

Understand, Project, Act

The health of your business depends on your ability to analyze performance and confidently make decisions that will help you achieve your goals. With Cash Flow InsightSM, you can visualize your cash flow week-to-week, month-to-month and even year-to-year with innovative views so you can see trends that may help with future projections. See how it works »

Start with the Right Business Checking Account

Talk to us about your agriculture business, where you want it to go, and how we can help you get it there. Your PNC Agricultural Banker will identify key components of your business' revenue cycle, and help you select the options best suited for your needs.

Profiles in Agribusiness

A&B Milling Company

Taking Their Company Nationwide

Shortly after Bob Allsbrook took the reins of his family’s feed, seed and fertilizer business in 1972, a government dairy buyout caused him to rethink the direction of A&B Milling Company in historic Halifax County, North Carolina. They decided to shift their agribusiness focus to selling peanut products.

ARC Ferns

Thriving Through Specialization

Each year, ARC Ferns produces more than 10 million fern liners, in 150 different varieties, for growers, nurseries and resellers throughout the country. “We satisfy nearly 50% of U.S. demand for these types of ferns,” says ARC President Dan Carmi, whose horticulture education and expertise form the roots of his successful business.

Business Insights Agriculture Newsletters

Stay on top of the latest farming and agricultural industry news with Business Insights for Agriculture. This educational e-publication covers industry hot topics such as farm management and forward-thinking approaches to agricultural business.

White Papers

Farmers and ranchers across the U.S. are charged with a critical task: feeding our country and the rest of the world. The United States Department of Agriculture (USDA) reports that the U.S. is the world’s largest agricultural exporter, with one out of every three acres being planted for exported products.

U.S. agriculture producers have always dealt with risks, from weather to unpredictable supply and demand changes to volatile costs and market prices. Today’s producers must navigate through an even greater number of unknowns, as agriculture has become a capital-intensive, high input-cost business in an increasingly global marketplace.

The family farm is a vital aspect of American industry and a significant contributor to the economy. But maintaining a thriving farm operation is no small task, given the level of financial commitment, opportunity and risk associated with agriculture and agri-business. Yet families across the country continue to dream of the day the farm will pass to the next generation.

Webinars

Helping Your Business Perform to its Full Potential

Guest Speaker: Mike Durant, 2013 Vetrepreneur of the Year

Durant, the man behind the real life story of Black Hawk Down, New York Times best-selling author of "In the Company of Heroes", successful entrepreneur and business owner – and the 2013 Vetrepreneur of the Year, offers a fast-paced look at the similarities between business operations and U.S. Special Operations – including an overview of the fundamentals this unique organization uses to help its people perform to their fullest potential.

Increase Your Cash Flow in Two Years

How Smart Business Owners Will Double Their Cash Through 2019

Guest Speaker: Gene Marks, Nationally Recognized Management Expert

Hear Gene Marks, whose The Washington Post, Forbes, Inc. Magazine and The Huffington Post columns on management are read weekly by hundreds of thousands of owners of small and medium-sized businesses across the country. Gene’s columns, presentations and frequent appearances on Fox Business, Fox News, MSNBC and CNBC are thought-provoking and entertaining.

Podcasts

Tips to Expand Your Customer Base

Duration: 0:4:36
One of the joys of running any small business is the sense of serving a tightly knit community. That’s especially true in agriculture, which, after all, is defined by the land around you. But in many ways, the online age has lent new meaning to the word “community.”

Farming in the Digital Age

Duration: 0:5:04
Developing relationships with legislative and regulatory officials is a must in order to influence public policies that impact your farm or agribusiness. It is also necessary to engage colleagues, the broader community and the media. Use these strategies to effectively communicate your ideas and engage others.

Which Line of Credit Works for You?

Related Resources

Cash flow Optimization

Low Cash Flow: A Survival Guide

Wouldn't it be wonderful if every month gave your business a predictable revenue stream? The smart and seasoned business owner can survive even the lowest of cash flow times. Here are four resources for when cash flow falls short.

How Food Waste Hurts the Economy – and How You Can Help

insights

Standard Accounting Practices for Agriculture

Farm Financial Standards Council suggests that adopting generally accepted accounting principles (GAAP) can be one of the best ways for farmers and agribusinessowners to position themselves for greater growth and prosperity.